The richest man starts with a blind box

Chapter 466 Make Money

"My God, it's 10 years ahead of time. The old horse is so good!" Huang He spent an hour, and finally understood the trouble of Ah Youqian.

In fact, it is easy to understand, this is the future Huabei.

It's just ten years ahead of schedule, and it's Huabei's original... no, it should be called the magically modified version.

The same as Huabei, this means that users do not need to pay directly, but pay directly when they have money, and then wait a month before making settlement.

Of course, it will be more troublesome to open the procedure for spending money, because mobile phones are not widely used, and ID cards are easy to be faked, so in this era, it is not possible to directly open money spending, users need to go to HSBC Bank across the country, and HSBC Bank The cooperative Agricultural Bank of China and China Construction Bank open exclusive online bank debit cards, and then use the online bank to open money to spend, so that the accuracy of personal information and the security of funds can be basically guaranteed.

Up to here, there is no difference between Youqianhuadu and Huabei.

But then came the change.

First of all, when Huabei is used in the current month, there is no interest.

But the money flower is different. From the beginning of using the money flower, you have to pay interest.The daily interest rate is not high, which is 2/10000, while the daily interest rate of Huabei in the future is 4/10000.

This sounds good, but if you change the date to annual interest, it becomes 7.3% annual interest, which is higher than most bank loans.

From here on, Youqianhua has essentially become a loan business, and Huabei will have to wait a month before it becomes a loan.

At the same time, Huabei requires repayment every month. If it cannot be repaid in full, there will be a minimum repayment.

But the money is different. You can pay it back within a year if you want, and there will be no debt collection in the middle.Only after one year, the bank will come to him and charge a minimum repayment of 10%.

At the same time, according to the 64-page electronic financial contract hidden in the corner, if the 10% minimum repayment cannot be paid within one year, then the bank has the right to directly liquidate your private property.

It ranges from freezing personal assets to directly auctioning off cars and houses. Anyway, it follows the same rules as normal bank loan liquidation.

"So cruel!" Boss Huang couldn't help but shudder after reading the specific rules of the rich money.

Huang He’s views on Huabei in his previous life were two-sided. On the one hand, he admitted that Huabei does have its convenience, and it can help users who are not well-off to buy urgently needed products. On the other hand, it has positive significance.

But Huabei also has a negative side, which is to magnify the consumption desire of users.The simplest reason is that when there is no Huabei, you may have no money on the card, even if you like something very much, as long as it is not necessary for life, you may suppress the desire to consume, and forget about it after a while up.

But after some Huabei, even if you are penniless, you can buy, buy, buy with just a touch of your finger. Everything comes so easy and relaxed, just waiting for you to face the final delivery in front of you, which exceeds the monthly salary Only when the bills are several times the amount of money will you feel a huge panic.

The next step is to gnaw at the old and find a way to get money from parents to repay the loan.

In fact, this is pretty good. The worst thing is that you don’t want to bother your parents, or your parents are poorer, so you can only use loans to support loans, and you end up in a desperate situation in life.

Of course, Huabei has done a fairly restrained job in this regard. It is mandatory to pay back the money every month, at least so that users can calm down after looking at their bills one month later.

But in this world, there is money to spend, and the time limit is as long as one year, which means that you will not be disturbed by debt within a year, and you don't even need to look at the page of money to spend.

It wasn't until a year later, when the bills of tens of thousands, or even 100,000 yuan, came to me that I felt great fear and realized how much I had done this year.

In this way, compared with Huabei, the lethality of Youqianhua has increased several times, and it has basically reached the same level as the small loan companies that everyone shouted at later generations. In other words, these two things are actually the same a thing.

Especially those who can spend money are basically students, working class, and even some low-income people.

After all, there is no need for rich people to spend money, just use cash.

Only these low-income people will be cash-strapped, and then be tempted by consumerism, and finally spend unlimited money from the rich.

Some people may say, is this bank a fool who lends money to the poor, isn't it afraid that the poor will not be able to pay it back?
Of course, the bank is not stupid, otherwise there wouldn't be so many small loan companies lending to young students and low-income people without any scruples?

It is not a financial institution like a bank that can allow losses. It is a private enterprise, and private individuals have to bear the loss of funds. Only when this industry has huge profits, will there be a large amount of private funds squeezed in.

The fundamental reason why people who have money are not afraid of losing money is that they can get back the money they borrowed in multiples.

Because for most of the poor people in this world, they may just have no cash in their pockets, but they still own their own real estate.For example, the coffin book of the parents, the fields passed down from the ancestors, the houses in the factory, or the old houses that are moving and waiting for demolition, etc. These are things that the poor are reluctant to cash in, and it is impossible to cash in.

When the loan defaults, it can be forcibly liquidated, and it can be bought at a very low price. It is simply a good deal with huge profits.

Otherwise, you will not see so many news about parents selling their houses to help their children repay loans of up to millions of yuan.

Of course, there must be some people in this group of people who are really poor and don't even have real estate, but these people are not afraid.Because banks have an audit mechanism, people who are too poor do not have the qualifications to open money to spend at all.

Secondly, there is also an upper limit for spending money if you have money. For ordinary people who use their ID card to open a card, the upper limit is only about 5000 yuan.

Of course, in this era, there is no credit score to evaluate your credit and determine the upper limit of Huabei.However, you can prove your financial strength by means of your salary flow, real estate certificate certificate, etc., and then increase the upper limit.

In this way, even if the poor are really cheated of money, there are very few cheaters, just admit it. After all, such people may be less than 1%. Compared with the profits earned from the other 99% of people, this 1% The losses are not worth mentioning.

Not to mention that, Huang He soon discovered that in the Ali wallet, there was actually another brand new service called "Chang Qian Bao".

As the name suggests, this is a tool used to make money.

Huang He studied Money Making Treasure again, and was even more stunned.

This money-making treasure is actually similar to Yu’ebao in later generations. It also encourages users to deposit funds into money-making treasure. Money-making treasure will give fixed interest every day, which is converted into an annualized rate of return of 2.3680% [PS "This is 2021. The 11-day annualized rate of return of Yu’E Bao on November 5].

Well, lending at an annualized rate of return of 7.3%, and absorbing reserves at an annualized rate of return of 2.368%, there will be as much as 5% of net profit income between entry and exit.

And what's even better, when Huang He carefully read the entire rules of Money Making Treasure, he found out that Money Making Treasure and Rich Money Flower are linked together.

The money from Moneymaker is provided to those who have money to spend, and then the interest earned by Moneymaker is provided to Moneymaker to pay the interest.At the same time, Moneymaker also has a very complicated interest formula calculation, so I won’t write it out in detail.

Anyway, according to Huang He later, the result calculated by professionals is that 30% of all the interest earned by Youqianhua is the interest of all the users of Moneyball.

At the same time, Money Maker is, in principle, a financial product, which does not guarantee that it will make money, and it is allowed to lose money.

In the future, if the bad debt rate of Youqianhua exceeds the credit rate of Moneymaker, Moneymaker itself will start to lose money. This is allowed by laws and regulations, because financial products are inherently risky.

After all, if you buy a crude oil treasure, you will have to pay the bank back in the future, which is the worst loss.

All in all, Money Making Treasure and Youqianhua have formed a mutual relationship of borrowing and saving. It may be that the banks, the forty thieves, and fund companies in the early stage have to post part of the money to Youqianhua.After Money Making Treasure has absorbed a large amount of funds, Money Making Treasure can completely supply the capital demand for money to spend.

Of course, the initial start-up capital was borrowed, and if there is money to spend in the future, it will be returned to these financial institutions with interest.

That is to say, if Ma Ge's wishful thinking is successful, then a perfect closed loop of funds will be formed in the future, and in this closed capital loop, Ma Ge and the financial institutions behind them can continuously harvest 5% of it. As your own interest, without paying any capital costs, this is simply a good deal with huge profits.

After Boss Huang understood these things, he also exclaimed, good guy.

"Is this old horse crazy? Even when he is doing such a dangerous job, isn't he afraid that one day the thunder will explode?" Huang He was dumbfounded after figuring out the secret of rich money. He never thought that the majestic old horse would actually There is no bottom line to this point.

Yes, this is a very perfect financial product. Users lend their own money to users, and the controller behind it can continuously suck blood from it and enjoy huge financial benefits.

Assuming that in the future, Youqianhua reaches the scale of Huabei and borrows 8 billion yuan a year, then the interest groups behind it can directly absorb 000 billion yuan of blood from it.

That’s not counting, plus the two-way blood-sucking of Yu’E Bao, the number can reach as high as 800 billion yuan, and then go to the financial market to package it. If there are repeated nesting dolls, the profit can reach 2000-3 billion yuan of Jinren’s .

This is not the best. The best thing is that if this cycle collapses, and the bad debt rate of Youqianhua makes it impossible for Moneymaker to pay, and all funds are lost, it is also investors who have lost all their money. Not a penny is lost, and the interest that should be earned is also a penny.

Is there a more perfect financial product than this in the world?
　There will be no change in the next two days

　　
　
(End of this chapter)